TEMPORARY LIQUIDITY
	GUARANTEE PROGRAM
	Centennial Bank has elected to participate in the FDIC's
	Transaction Account Guarantee Program.  Under that
	program, through December 31, 2010, all non-interest bearing
	and NOW accounts earning .25% or less are fully guaranteed by
	the FDIC for the entire amount in the account.  Coverage under
	Transaction Account Guarantee Program is in addition to and
	separate from the coverage available under the FDIC's
	general deposit insurance rules.
	On July 21, 2010, FDIC deposit insurance permanently
	increased to $ 250,000.00 per depositor.  For more information on your deposit coverage through the FDIC, please speak with a Centennial Bank representative.